Need quick access to large funds without disturbing your long-term investments? Whether you're managing a business expansion, planning a property down payment, or tackling an emergency expense, a Rs. 70 lakh loan against securities helps you get funds within 24–48 hours without selling your shares, mutual funds, insurance policies, or bonds. It’s one of the smartest ways to stay invested while accessing funds.
Did you know? You can get a Rs. 70 lakh loan simply by pledging your existing portfolio mutual funds, listed shares, bonds, ULIPs, or ESOPs with zero income proof.
What is a loan against securities?
A Loan Against Securities (LAS) is a smart credit facility that allows you to borrow money by pledging your existing financial investments. These could be mutual funds, shares, bonds, ULIPs, or ESOPs. The best part? Your investments remain intact, continue to earn returns, and still serve as collateral for your loan. It’s an ideal solution when you need quick access to funds without breaking your long-term financial plan. Here’s why LAS is a great choice:
- Your assets remain untouched and continue to grow with the market.
- Eligible securities include mutual funds, shares, bonds, insurance policies, and employee stock options.
- Quick disbursal – Funds can be transferred to your bank within 24–48 hours.
- No end-use restriction – Use the funds however you like: business, real estate, personal needs.
- No tax liabilities – Avoid triggering capital gains by staying invested.
Why sell your investments when you can borrow against them and still enjoy their future growth? Apply for a loan against securities
Why not opt for unsecured loans?
When you're seeking a Rs. 70 lakh loan, traditional options like personal or unsecured business loans can be limiting. They involve high interest rates, tedious paperwork, credit score checks, and proof of income—all of which can delay access to funds. In comparison, a loan against securities offers quicker, easier, and more affordable funding, especially for investors who already hold a solid portfolio. Here’s why LAS is the better alternative:
- Lower interest rates – Starting from 8% - 15% p.a., vs. 12–18%p.a. for unsecured loans.
- No income proof required – Your investment portfolio is enough to qualify.
- Minimal documentation – Just a few basic documents, uploaded online.
- Quick processing – Loans are approved and disbursed in 1–2 working days.
- Full flexibility – No restrictions on where or how you use the funds.
Borrow faster and smarter with fewer conditions and better rates. Apply for a LAS
What is Loan to Value (LTV) and why it matters?
Loan to Value (LTV) is a key metric used by lenders to determine the amount of loan you can get against the current market value of your pledged securities. The percentage varies depending on the type of asset, with more stable assets offering higher LTV. Here’s a breakdown of common LTV ratios:
- Mutual funds – Borrow up to 90% of the current NAV value.
- Shares – Up to 50%, depending on volatility and the nature of the stock.
- Insurance & bonds – As high as 80–90% for traditional or highly rated instruments.
Why LTV is important:
- It helps you plan better – Know exactly how much you can borrow before pledging your assets.
- It reduces financial risk – LTV acts as a buffer in case of market volatility.
Example: If your mutual funds are valued at Rs. 78 lakh, you could raise Rs. 70 lakh at a 90% LTV without selling a single unit.
